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Monthly Subscription

Monthly Subscription Credit Repair Model

Our monthly subscription model offers a flexible, predictable approach to credit repair with transparent pricing and cancellation options.

Definition of a Cycle

  • A cycle is one complete round of disputes with the credit reporting agencies.
  • Typical duration: 30–45 days, depending on bureau response times.
  • At the start of each cycle, a defined number of negative or inaccurate items are selected for dispute, as determined by the client’s subscription tier.
  • At the end of the cycle, results are reviewed, and the next set of items (if any remain) are prepared for dispute in the following cycle.

    • Service Structure

  • Scope of Work: Preparation, documentation, and submission of credit disputes to the major credit bureaus (Experian, Equifax, TransUnion).
  • Deliverables Per Cycle:
    • Itemized disputes submitted within cycle limits
    • Status reporting and results review at cycle end
    • Adjustments or escalations for next cycle
  • Coaching Component: Each subscription includes ongoing financial/credit coaching (budgeting, utilization, debt management, future loan readiness).

    • Subscription Tiers

    Choose the plan that fits your credit repair needs

    Tier 1

    $149

    / Per Month
    • Up to 3 items per cycle
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    Best for: Clients with minor or limited issues

    Tier 2

    $249

    / Per Month
    • Up to 5 items per cycle
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    Best for: Clients with moderate number of inaccuracies

    Tier 3

    $299

    / Per Month
    • Up to 7 items per cycle
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    Best for: Clients with mixed small + moderate issues

    Tier 4

    $399

    / Per Month
    • Up to 10 items per cycle
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    Best for: Clients requiring faster progress, higher volume disputes

    Billing Structure

  • Frequency: Monthly
  • Timing: Payment is processed after services are delivered for that cycle.
  • Flexibility: Clients may cancel at any time.
  • Cost Control: Subscription cost is capped by the selected tier; clients know their maximum monthly cost in advance.

    • Client Fit

  • Appropriate for individuals with fewer negative items or who prefer to spread costs over time.
  • Best suited to clients who value lower upfront financial commitment and are comfortable with a stepwise approach to credit repair.

    • Strategic Positioning

    Advantages:

    • Lower entry cost compared to flat-fee models
    • Flexible and cancellable
    • Predictable monthly billing tied to specific dispute activity

    Limitations (relative to Model 2 – Flat Fee):

    • Item caps may extend total resolution time for clients with many negatives
    • Overall costs may accumulate to a similar or higher total if resolution takes longer than expected

    Is This Model Right for You?

    Our monthly subscription model is appropriate for individuals with fewer negative items or who prefer to spread costs over time. It's best suited to clients who value lower upfront financial commitment and are comfortable with a stepwise approach to credit repair.

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